Atome Thailand is a buy now, pay later service that helps shoppers split purchases into manageable payments at participating retailers across the country. Through the Atome app, customers can shop online or in stores across categories including fashion, beauty, sports, home, travel, baby and kids, health, and electronics. Eligible purchases can be paid in three installments at 0% interest, while the site also discloses an annual interest rate of 0–15%; customers are encouraged to borrow only what they need and can repay.

The app lets users check balances and payment details, and Atome highlights flexible spending, straightforward sign-up, and secure account management. Shoppers may also find cashback offers, discount coupons, promotions, and rewards through Atome+. Atome works with a broad network of partner brands and invites retailers to join its merchant program.

Its merchant services are presented as a way to reach more customers, increase average order value, and receive payment in full, with a simple registration process